TRUSTED BY THOUSANDS NATIONWIDE!

Fast & Secure Watch Loans. Borrow Against Your Luxury Timepiece Today!

Q: How does the luxury watch loan process work?

At Qollateral, we’ve designed our loan process to be straightforward and efficient, ensuring the highest level of confidentiality. Schedule an appointment for either an in-person or virtual evaluation. Once you accept the loan offer and terms, payment can be issued as quickly as the same day. For online customers, we provide a fully insured, pre-paid shipping label, making the process secure and stress-free.

Q: What is the most amount of money I can get for my watch?

We will offer the highest value available for your particular luxury watch, which will depend on factors such as manufacturer, model, condition, original box and paperwork, and other considerations. That said, Qollateral offers loan amounts of $2,000 to $10 million.

Q: Do you get more money pawning or selling watches?

At Qollateral, we provide competitive offers whether you decide to pawn or sell your luxury watch. Pawning, however, gives you the flexibility to access the funds you need while retaining the option to reclaim your high-end watch later, making it an ideal choice for those who wish to keep their item long-term.

Q: How quickly can I access funds from my watch loan?

If you approve the terms of our offer, your funds will be disbursed the same day via cash, check, or wire transfer, whichever works best for you.

Q: Does pawning affect your credit score?

No, pawning with Qollateral does not affect your credit score in any way. Our process is entirely confidential, and we do not report to credit bureaus. If you decide not to repay your pawn jewelry loan, the only outcome is the forfeiture of your pledged collateral, with no adverse impact on your credit profile.

Q: What if I don’t accept the watch loan offer?

If you don’t agree with the terms of our offer, no problem. We’ll simply return your item immediately with no cost or hassle.

Q: How is my item stored and secured?

Every asset is fully insured by Lloyd’s of London and safeguarded in a secure vault within the International Gem Tower, one of the most secure facilities in the country. Our experienced appraisal team, with decades of combined expertise, has maintained a flawless track record—assets have never been misplaced or stolen. At Qollateral, we handle your valuables with the utmost care, treating them as if they were our own.

Q: Once the collateral loan is paid off, how do I get my item back?

After your loan balance is fully paid off, our team will promptly return your items to you.

Q: How long do I have to make payments?

Loans are issued for a term of 4 months. Borrowers have the flexibility to repay the loan in full at any time before the 4-month period ends, with accrued interest charged only for the time that has passed. At the end of the 4 months, the loan can be either renewed or redeemed. To renew, the borrower will pay the accrued interest up to date. Once the payment is received and processed, Qollateral will issue a new ticket, renewing the loan for another 4 months. Upon redemption, the collateral will be returned upon full repayment of the principal and accrued interest up to date.

Q: Do I have to make monthly payments for my watch loan?

No, interest payments must be made every 4 months to keep your luxury watch loan active throughout the loan term.

We offer secure collateral watch loans with a simple and seamless process for leveraging your luxury timepieces.

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The Nation’s Highest Value Luxury Watch Loans

Qollateral makes it easy to take out loans on watches. Meet with our client financing team for an expert valuation of your luxury watch, and maximize your borrowing amount without any upfront fees. As a luxury watch buyer, we work with high-end clients every single day to liquefy their timepieces for same-day loans. Get the highest loan value for your watch, plus the confidence that comes with a fully secure, fully discrete collateral loan.

Rolex
Audemars Piguet
Patek Philippe
Richard Mille
Blancpain
Breguet
Breitling
Cartier
A. Lange and Söhne
Jaeger Le-Coultre
Omega
Vacheron Constantin
IWC

How Our Process Works

The Qollateral loan process starts with a private consultation at our office, located in the International Gem Tower, one of the nation’s most secure buildings, in the heart of New York City’s diamond district. Too far to travel? We can also arrange an online appraisal for your convenience.

During your consultation, our experts will evaluate your timepiece and give it a fair valuation based on its secondary market value. This evaluation is provided without pressure or obligation, so it’s up to you whether you want to move forward with your collateral loan. If you do want to proceed, just sign the pledge agreement, and we’ll give you 100% of your loan amount in minutes, with the option to receive your loan via cash, check, or money order– the choice is yours!

Over the course of your loan, your asset will be protected and fully insured by Lloyd’s of London, with 24/7 holding in a State of the of the art vault in the GIA building, one of the most secure buildings in the nation. Renew your loan at the end of its term, or close out and get your watch safely back in your hands.

Benefits of Qollateral Luxury Watch Loans

When you’re dealing with such a high-value item, it’s essential that you work with a team you can trust. Our collateral loan service provides a wide range of benefits, all of which are intended to ensure your ultimate satisfaction from start to finish.

Fast and easy same-day collateral loans
Advanced security
Confidential engagements
Maximum-value appraisals
Friendly and professional staff
No obligation consultations

We’re not happy unless you are. Get same-day valuations and funding on your collateral watch loan, and receive payment on the spot without having to jump through any hoops. It’s the safest way to turn your watch into cash, and the obvious choice for avoiding the hassle of traditional financing.